{"id":321,"date":"2015-11-23T07:44:19","date_gmt":"2015-11-23T07:44:19","guid":{"rendered":"https:\/\/www.investaz.com.tr\/blog\/?p=321"},"modified":"2019-12-14T11:57:23","modified_gmt":"2019-12-14T11:57:23","slug":"harcamalarimiz-nasil-kontrolden-cikiyor","status":"publish","type":"post","link":"https:\/\/www.investaz.com.tr\/blog\/harcamalarimiz-nasil-kontrolden-cikiyor\/","title":{"rendered":"Harcamalar\u0131m\u0131z Nas\u0131l Kontrolden \u00c7\u0131k\u0131yor?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Harcama al\u0131\u015fkanl\u0131klar\u0131m\u0131z, gelece\u011fimizi belirleyen en \u00f6nemli unsurlardan biridir. G\u00fcnl\u00fck hayat\u0131m\u0131zdan, finans piyasalar\u0131ndaki stratejilerimize kadar her y\u00f6nde etki g\u00f6sterir. Ancak bazen sahip oldu\u011fumuz al\u0131\u015fkanl\u0131klar, bazense tercihlerimiz harcamalar\u0131m\u0131z\u0131n kontrolden \u00e7\u0131kmas\u0131na sebep olabilir.<\/span><\/p>\n<p><!--more--><\/p>\n<p><b>G\u00f6zden Ka\u00e7an K\u00fc\u00e7\u00fck Harcamalar ve Ay Sonu Facias\u0131<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Biletler, taksi paralar\u0131, k\u00fc\u00e7\u00fck market al\u0131\u015fveri\u015fleri gibi k\u00fc\u00e7\u00fck g\u00f6r\u00fcnen ancak bir araya gelince da\u011f gibi b\u00fcy\u00fcyen harcamalardan s\u00f6z ediyoruz. Evet, ilk \u00f6nce bakmam\u0131z gereken yerler buralar. Ne kadar g\u00f6z\u00fcm\u00fcz\u00fc ka\u00e7\u0131rmaya \u00e7al\u0131\u015f\u0131rsak \u00e7al\u0131\u015fal\u0131m harcamalar\u0131m\u0131z\u0131n b\u00fcy\u00fck bir k\u0131sm\u0131n\u0131 olu\u015ftururlar. Her g\u00fcn bir defa almay\u0131 al\u0131\u015fkanl\u0131k haline getirdi\u011fimiz ufak bir harcamam\u0131z, ay sonunda birikerek b\u00fcy\u00fck bir mebla\u011fa d\u00f6n\u00fc\u015febilir. \u0130lk \u00f6nce k\u00fc\u00e7\u00fck ve s\u0131k s\u0131k yapt\u0131\u011f\u0131n\u0131z harcamalar\u0131 g\u00f6zden ge\u00e7irin.<\/span><\/p>\n<p><b>\u015eimdi Al, Sonra \u00d6de<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u015eimdi ald\u0131k. Keyfini de \u00e7\u0131kar\u0131yoruz. Peki sonra? \u2018\u015eimdi al, sonra \u00f6de\u2019 al\u0131\u015fkanl\u0131\u011f\u0131 da harcamalar\u0131m\u0131z\u0131n kontrolden \u00e7\u0131kmas\u0131na sebep olan etkenler aras\u0131ndad\u0131r. Bug\u00fcnk\u00fc kazanc\u0131m\u0131z\u0131n birka\u00e7 ay sonra da ayn\u0131 olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcr\u00fcz. Mevcut i\u015fimize devam etti\u011fimiz s\u00fcrece bu do\u011frudur da. Ancak arada ge\u00e7en s\u00fcre i\u00e7inde ba\u015fka harcamalar da yap\u0131l\u0131rsa, \u00f6deme g\u00fcn\u00fc bir anda birikimlerimizin azald\u0131\u011f\u0131n\u0131 g\u00f6rebiliriz.<\/span><\/p>\n<p><b>Nakit Kullanmama Al\u0131\u015fkanl\u0131\u011f\u0131<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Kredi kartlar\u0131 yayg\u0131nla\u015ft\u0131\u011f\u0131ndan beri \u2018karttan ge\u00e7iririm\u2019 anlay\u0131\u015f\u0131 iyice yerle\u015fmeye ba\u015flad\u0131. Sadece kredi kartlar\u0131 de\u011fil, banka kartlar\u0131 da i\u015fin i\u00e7ine girdi ve biz bir anda pek de nakit ta\u015f\u0131mamaya ba\u015flad\u0131k. Peki bunun sonucunda ne oldu? Tabii ki g\u00fcn i\u00e7inde ne kadar harcad\u0131\u011f\u0131m\u0131z\u0131n hesab\u0131n\u0131 tutamaz olduk. E\u011fer kontrol\u00fc yeniden elinize almak istiyor ve birazc\u0131k kemerleri s\u0131kmak istiyorsan\u0131z ya da sadece paran\u0131z\u0131n nereye gitti\u011fini g\u00f6zlemlemek istiyorsan\u0131z, o zaman bir s\u00fcre nakit al\u0131\u015fveri\u015f yapmaya a\u011f\u0131rl\u0131k vermenizi \u00f6neririz. \u0130nan\u0131n, \u015fa\u015f\u0131racaks\u0131n\u0131z.<\/span><\/p>\n<p><b>Heyecanla Verilen Kararlar<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Bir anl\u0131k heyecan ve al\u0131\u015fveri\u015f sepetinizde biten \u00fcr\u00fcnler. Bu manzara size tan\u0131d\u0131k geldi mi? E\u011fer \u00f6yleyse, siz de al\u0131\u015fveri\u015f yaparken duygular\u0131na yenilenlerden olabilirsiniz. G\u00f6rd\u00fc\u011f\u00fcm\u00fcz bir \u00fcr\u00fcn\u00fc s\u0131rf o s\u0131rada \u00e7ok be\u011fendik diye, ger\u00e7ekten ihtiyac\u0131m\u0131z olup olmad\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnmeden sat\u0131n alma karar\u0131 verirsek, bu genelde bir pi\u015fmanl\u0131kla sonu\u00e7lan\u0131r. Forex\u2019e ne kadar da benziyor de\u011fil mi?<\/span><\/p>\n<p><b>\u0130htiya\u00e7 Listemiz Yok<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00c7o\u011fu zaman neye ihtiyac\u0131m\u0131z oldu\u011funun fark\u0131nda bile de\u011filiz. Mevsimsel, d\u00f6nemsel ihtiya\u00e7lar\u0131m\u0131z, i\u015f i\u00e7in gerekenler&#8230; Spontane bir \u015fekilde yap\u0131lan al\u0131\u015fveri\u015fler, pek de aciliyeti olmayan \u015feylerle d\u00f6nmemize ve harcamalar\u0131m\u0131z\u0131n uzay\u0131p gitmesine neden olabilir. Bunun yerine her zaman bir listeniz olsun ve her zaman orada yazanlara sad\u0131k kalmaya, \u00f6ncelik s\u0131ran\u0131z\u0131 bozmamaya gayret edin. Yava\u015f yava\u015f kontrol\u00fc yeniden kazand\u0131\u011f\u0131n\u0131z\u0131 hissedeceksiniz.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Harcama al\u0131\u015fkanl\u0131klar\u0131m\u0131z, gelece\u011fimizi belirleyen en \u00f6nemli unsurlardan biridir. G\u00fcnl\u00fck hayat\u0131m\u0131zdan, finans piyasalar\u0131ndaki stratejilerimize kadar her y\u00f6nde etki g\u00f6sterir. Ancak bazen sahip oldu\u011fumuz al\u0131\u015fkanl\u0131klar, bazense tercihlerimiz harcamalar\u0131m\u0131z\u0131n kontrolden \u00e7\u0131kmas\u0131na sebep olabilir.<\/p>\n","protected":false},"author":1,"featured_media":350,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-makaleler"],"_links":{"self":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts\/321","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=321"}],"version-history":[{"count":1,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts\/321\/revisions"}],"predecessor-version":[{"id":322,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts\/321\/revisions\/322"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/media\/350"}],"wp:attachment":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=321"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=321"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}